| PART I - Payment System Indicators - Payment & Settlement System Statistics |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2021-22 |
2021 September |
2022 |
2022 |
FY 2021-22 |
2021 September |
2022 |
2022 |
| August |
September |
August |
September |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Settlement Systems |
|
|
|
|
|
|
|
|
| Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 CCIL Operated Systems |
33.01 |
3.21 |
3.30 |
3.97 |
206873112 |
16683094 |
20028644 |
24321858 |
| 1.1 Govt. Securities Clearing |
12.22 |
1.37 |
1.33 |
1.51 |
142072939 |
11404584 |
13493765 |
16060463 |
| 1.1.1 Outright |
6.22 |
0.90 |
0.75 |
0.86 |
8793301 |
1127485 |
888832 |
1027326 |
| 1.1.2 Repo |
3.08 |
0.25 |
0.32 |
0.36 |
51015712 |
3885956 |
5251883 |
6014630 |
| 1.1.3 Tri-party Repo |
2.92 |
0.22 |
0.25 |
0.30 |
82263926 |
6391143 |
7353051 |
9018508 |
| 1.2 Forex Clearing |
19.91 |
1.77 |
1.89 |
2.34 |
59775826 |
4826170 |
5970122 |
7499481 |
| 1.3 Rupee Derivatives @ |
0.88 |
0.07 |
0.09 |
0.11 |
5024347 |
452340 |
564757 |
761914 |
| B. Payment Systems |
|
|
|
|
|
|
|
|
| I Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 Credit Transfers - RTGS |
2078.39 |
174.57 |
188.08 |
198.30 |
128657516 |
11069631 |
11665583 |
13789637 |
| 1.1 Customer Transactions |
2063.73 |
173.33 |
186.92 |
197.10 |
113319292 |
9838858 |
10274480 |
12094321 |
| 1.2 Interbank Transactions |
14.66 |
1.24 |
1.16 |
1.20 |
15338225 |
1230773 |
1391103 |
1695316 |
| II Retail |
|
|
|
|
|
|
|
|
| 2 Credit Transfers - Retail |
577934.74 |
45720.72 |
77757.95 |
79564.55 |
42728006 |
3495969 |
4288963 |
4621357 |
| 2.1 AePS (Fund Transfers) @ |
9.76 |
0.98 |
0.54 |
0.55 |
575 |
57 |
30 |
32 |
| 2.2 APBS $ |
12573.33 |
781.62 |
1162.46 |
1170.39 |
133345 |
6199 |
9662 |
12805 |
| 2.3 IMPS |
46625.25 |
3848.84 |
4669.09 |
4622.31 |
4171037 |
324096 |
445989 |
454451 |
| 2.4 NACH Cr $ |
18757.82 |
1171.57 |
1940.04 |
1630.85 |
1281685 |
91281 |
128480 |
114718 |
| 2.5 NEFT |
40407.29 |
3359.54 |
4166.76 |
4332.45 |
28725463 |
2419688 |
2631639 |
2922913 |
| 2.6 UPI @ |
459561.30 |
36558.17 |
65819.06 |
67808.00 |
8415900 |
654648 |
1073162 |
1116438 |
| 2.6.1 of which USSD @ |
11.99 |
1.14 |
1.63 |
1.47 |
177 |
16 |
17 |
17 |
| 3 Debit Transfers and Direct Debits |
12189.49 |
987.44 |
1247.15 |
1256.45 |
1034444 |
84660 |
102824 |
105856 |
| 3.1 BHIM Aadhaar Pay @ |
227.73 |
19.39 |
17.57 |
16.35 |
6113 |
440 |
516 |
516 |
| 3.2 NACH Dr $ |
10754.74 |
878.31 |
1097.38 |
1113.20 |
1026641 |
84068 |
102100 |
105128 |
| 3.3 NETC (linked to bank account) @ |
1207.02 |
89.74 |
132.20 |
126.90 |
1689 |
152 |
209 |
211 |
| 4 Card Payments |
61,782.93 |
5,337.50 |
5,481.30 |
5,363.24 |
17,01,851 |
1,42,817 |
1,74,516 |
1,83,981 |
| 4.1 Credit Cards |
22,398.82 |
1,847.21 |
2,447.83 |
2,460.17 |
971638 |
80228 |
112358 |
122554 |
| 4.1.1 PoS based $ |
11124.59 |
961.53 |
1330.54 |
1317.07 |
380643 |
31743 |
44943 |
45287 |
| 4.1.2 Others $ |
11274.23 |
885.68 |
1117.30 |
1143.10 |
590994 |
48485 |
67414 |
77267 |
| 4.2 Debit Cards |
39,384.11 |
3,490.29 |
3,033.47 |
2,903.07 |
730213 |
62589 |
62159 |
61427 |
| 4.2.1 PoS based $ |
22967.10 |
2053.00 |
2009.83 |
1888.46 |
451550 |
38591 |
40552 |
38135 |
| 4.2.2 Others $ |
16417.00 |
1437.29 |
1023.64 |
1014.61 |
278663 |
23998 |
21606 |
23292 |
| 5 Prepaid Payment Instruments |
65,782.75 |
5,292.53 |
6,177.69 |
6,048.61 |
279416 |
24482 |
24625 |
24090 |
| 5.1 Wallets |
53013.86 |
4242.67 |
4877.42 |
4706.99 |
220183 |
20230 |
18495 |
17915 |
| 5.2 Cards |
12,768.89 |
1,049.86 |
1,300.27 |
1,341.62 |
59233 |
4252 |
6131 |
6175 |
| 5.2.1 PoS based $ |
1116.16 |
133.71 |
83.90 |
79.41 |
19546 |
995 |
1177 |
1172 |
| 5.2.2 Others $ |
11652.73 |
916.15 |
1216.37 |
1262.21 |
39687 |
3257 |
4953 |
5004 |
| 6 Paper-based Instruments |
6,999.12 |
624.10 |
575.81 |
603.84 |
6650333 |
566468 |
548385 |
591106 |
| 6.1 CTS (NPCI Managed) |
6999.12 |
624.10 |
575.81 |
603.84 |
6650333 |
566468 |
548385 |
591106 |
| 6.2 Others |
0.00 |
0.00 |
0.00 |
0.00 |
0 |
0 |
0 |
0 |
| Total Retail Payments (2+3+4+5+6) |
7,24,689.03 |
57,962.28 |
91,239.89 |
92,836.69 |
52394049 |
4314396 |
5139314 |
5526390 |
| Total Payments (1+2+3+4+5+6) |
7,26,767.42 |
58,136.85 |
91,427.97 |
93,034.99 |
181051565 |
15384027 |
16804896 |
19316027 |
| Total Digital Payments (1+2+3+4+5) |
7,19,768.30 |
57,512.75 |
90,852.16 |
92,431.15 |
174401233 |
14817559 |
16256512 |
18724921 |
| PART II - Payment Modes and Channels |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2021-22 |
2021 September |
2022 |
2022 |
FY 2021-22 |
2021 September |
2022 |
2022 |
| August |
September |
August |
September |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Other Payment Channels |
|
|
|
|
|
|
|
|
| 1 Mobile Payments (mobile app based) |
5,06,842.31 |
39,989.49 |
72,227.76 |
72,863.54 |
1,49,61,371 |
11,78,882 |
18,27,748 |
18,82,968 |
| 1.1 Intra-bank $ |
40,805.69 |
3,358.50 |
6,590.62 |
5,133.31 |
27,26,363 |
2,18,049 |
3,63,782 |
3,48,417 |
| 1.2 Inter-bank $ |
4,66,036.62 |
36,630.99 |
65,637.14 |
67,730.23 |
1,22,35,007 |
9,60,832 |
14,63,966 |
15,34,550 |
| 2 Internet Payments (Netbanking / internet browser based) @ |
40,726.59 |
3,646.48 |
3,537.74 |
3,585.44 |
8,31,59,996 |
68,27,521 |
73,51,640 |
84,33,347 |
| 2.1 Intra-bank @ |
9,583.32 |
844.78 |
932.41 |
918.60 |
5,21,42,582 |
42,14,062 |
43,04,970 |
49,85,305 |
| 2.2 Inter-bank @ |
31,143.27 |
2,801.70 |
2,605.33 |
2,666.84 |
3,10,17,413 |
26,13,459 |
30,46,670 |
34,48,042 |
| B. ATMs |
|
|
|
|
|
|
|
|
| 3. Cash Withdrawal at ATMs $ |
65,240.43 |
5,540.66 |
5,766.61 |
5,725.75 |
31,11,946 |
2,57,941 |
2,68,788 |
2,65,244 |
| 3.1 Using Credit Cards $ |
62.37 |
4.98 |
7.46 |
7.24 |
3,130 |
249 |
359 |
352 |
| 3.2 Using Debit Cards $ |
64851.61 |
5508.82 |
5723.84 |
5684.15 |
30,97,739 |
2,56,767 |
2,67,289 |
2,63,765 |
| 3.3 Using Pre-paid Cards $ |
326.45 |
26.86 |
35.31 |
34.36 |
11,076 |
925 |
1,141 |
1,127 |
| 4. Cash Withdrawal at PoS $ |
91.17 |
5.90 |
2.19 |
2.71 |
728 |
64 |
21 |
34 |
| 4.1 Using Debit Cards $ |
79.42 |
5.08 |
2.16 |
2.67 |
557 |
40 |
21 |
34 |
| 4.2 Using Pre-paid Cards $ |
11.75 |
0.82 |
0.03 |
0.04 |
171 |
23 |
0 |
0 |
| 5. Cash Withdrawal at Micro ATMs @ |
11126.04 |
888.88 |
1021.48 |
1004.99 |
2,99,776 |
22,793 |
26,193 |
26,097 |
| 5.1 AePS @ |
11126.04 |
888.88 |
1021.48 |
1004.99 |
2,99,776 |
22,793 |
26,193 |
26,097 |
| PART III - Payment Infrastructures (lakh) |
| |
As on March 2022 |
2021 September |
2022 |
2022 |
| August |
September |
| 1 |
2 |
3 |
4 |
| Payment System Infrastructures |
|
|
|
|
| 1 Number of Cards |
9912.93 |
9844.09 |
10130.17 |
10162.40 |
| 1.1 Credit Cards |
736.27 |
650.25 |
779.91 |
777.02 |
| 1.2 Debit Cards |
9,176.66 |
9,193.84 |
9350.26 |
9385.38 |
| 2 Number of PPIs @ |
15,553.69 |
13,979.08 |
15,661.77 |
15,842.95 |
| 2.1 Wallets @ |
12,787.93 |
11,714.34 |
12,948.75 |
13,106.33 |
| 2.2 Cards @ |
2,765.76 |
2,264.74 |
2,713.02 |
2,736.62 |
| 3 Number of ATMs and CRMs |
2.52 |
2.41 |
2.54 |
2.55 |
| 3.1 Bank owned ATMs$ and CRMs# |
2.20 |
2.13 |
2.20 |
2.20 |
| 3.2 White Label ATMs $ |
0.31 |
0.28 |
0.34 |
0.35 |
| 4 Number of Micro ATMs @ |
9.16 |
6.50 |
11.71 |
12.39 |
| 5 Number of PoS Terminals |
60.70 |
49.77 |
70.58 |
70.35 |
| 6 Bharat QR @ |
49.72 |
43.74 |
47.49 |
48.64 |
| 7 UPI QR * |
1727.34 |
1205.19 |
2092.54 |
2164.30 |
@: New inclusion w.e.f. November 2019
#: Data reported by Co-operative Banks, LABs and RRBs included with effect from Dec 2021.
$ : Inclusion separately initiated from November 2019 - would have been part of other items hitherto.
*: New inclusion w.e.f. September 2020; Includes only static UPI QR Code |
Note : 1. Data is provisional.
2. ECS (Debit and Credit) has been merged with NACH with effect from January 31, 2020.
3. The data from November 2019 onwards for card payments (Debit/Credit cards) and Prepaid Payment Instruments (PPIs) may not be comparable with earlier months/ periods, as more granular data is being published along with revision in data definitions.
4. Only domestic financial transactions are considered. The new format captures e-commerce transactions; transactions using FASTags, digital bill payments and card-to-card transfer through ATMs, etc.. Also, failed transactions, chargebacks, reversals, expired cards/ wallets, are excluded. |
|
